Bernie i am not having a go but the real world is nothing like working for a housing association or others suchlike.
I have worked for many big companies and still do some contract work and i get a lot more than £20/hr.
If you were subbing to a housing association and they were paying £20/hr for 40 hrs/week that would be a bit low but possibly acceptable to most given the continuity. But £20/hr and we will phone you when we need you i don't think so.
Your average customer can not offer continuity of work, maybe a wee job or 2 a year so they have to pay more. But without robbing anyone you charge a fair rate. Say a days work for a man at different addresses was fit a hob, repair a shower and service a boiler. You could say each job should only take an hour and cost no more than £25 a time plus materials.
In reality it would be more like
fit the hob £60
repair shower £60
service boiler £70
Total for the day £190 + materials and vat.
Tradesmans wages for day + emp nat ins and pensions and holiday stamps £131.36
Training, insurances, vehicle fuel and running costs, PPE etc etc, say another £30 (it's a bit more but i can't be bothered to work it out)
Total profit for the day from 1 man = £28.64. Hardly excessive is it, around 15% profit?
If you worked for a housing association you will know when your plumber gets sent to rewasher a tap or some other wee job he gets something ridiculous like 5 minutes for, that is not what is on his timesheet when he hands it in. They start inventing things to fill the time out with. Cant turn the water off, change broken gate valve - 1.5hrs extra and so on.
Fitting a hob with them would probably need 3 trades. Plumber/gas fitter to connect it, joiner to cut it out and electrician to wire it and maybe the inspector round to check it plus you have got the administration side too. How much do you think that lot would add up to. A bit more than £60 i would think even if they got contractors to do it. They are hardly cost efficient orginisations.
Did a job for our council a few years back. Got the BoQ and priced accordingly. Supposedly replace lead lined stepped gutters. Went to first job and they were all felt gutters and the pitch was too shallow to step it. Nobody had bothered to check and just made out a BoQ. After a bit palaver with the architects, clerk of works and a few other council big wigs, it was decided to use Tpren. Full job done on time and line, 117 gutters. Cost over twice what it should have. Never once did it cross my mind to say hey, you are paying me too much here.
Do you think a surgeon would think £50/hr was excessive when the sewage was running down his driveway. He has probably had his hands in worse and it is not hard to fix but i think he would prefer to "sub it out"